Finance Score: -5

Governance Score: 3

Support Score: 0

Multiple Deficits and declines: -5
No PartB

Dynamic board: +3

No supporters identified

Overall GiG Score: -2

THE PAYBACK TIME TRUST

General Charitable Purposes. Trustees Do Not accept any unsolicited applications

Analysis by Giving is Great

Positives:

The Board appears to be dynamic in terms of composition

Regulatory & Governance issues to consider:

This charity only provides its support via other charities
One or more trustees receive payments or benefits from the charity for providing services to the charity

Financial issues to consider:

A PartB annual return has not been required and so detailed financial information is not available from the online data
Income has been volatile and on several occasions in recent years less than spending

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E		Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff
23/03/23		£63	£134	£-72	n/a	n/a	n/a	n/a	n/a
23/03/22		£104	£129	£-24	n/a	n/a	n/a	n/a	n/a
23/03/21	*	£53	£120	£-67	n/a	n/a	n/a	n/a	n/a
23/03/20		£67	£97	£-29	n/a	n/a	n/a	n/a	n/a
23/03/19		£84	£76	£8	n/a	n/a	n/a	n/a	n/a
23/03/18		£114	£155	£-41	£0	£0	£0	n/a	0
23/03/17		£111	£94	£17	£0	£0	£0	n/a	0
23/03/16		£98	£98	£0	£0	£0	£0	n/a	0
23/03/15		£97	£81	£16	£0	£0	£0	n/a	0
23/03/14		£87	£43	£43	£0	£0	£0	n/a	0
23/03/13		£58	£31	£27	£0	£0	£0	n/a	0

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Download accounts

Highest pay bracket: less than £60,000

Established: 12 years

charitabletrusts@ludlowtrust.com

01173138200

Charity Commission for England and Wales

Listed activities

Disability
Education/Training
General Charitable Purposes
Overseas Aid/Famine Relief
The Advancement Of Health Or Saving Of Lives

GiG Classification

Community services

How it operates

Makes Grants to Organisations

Where it operates

Throughout England And Wales,

Who it helps

Other Charities Or Voluntary Bodies

Who's supporting them? ?

We have no records of donations from grant makers.

How is it governed?

Trustees (5)

Current Trustees appointed

KATHLEEN BARCOCK Appointed: 2012

LUDLOW TRUST COMPANY LTD Appointed: 2021, Other trusteeships: THE LINDSAY TRUST, THE REGINALD M PHILLIPS CHARITABLE FOUNDATION, THE KATHLEEN LAURENCE TRUST, THE JOAN MARY WOODHAM HURRELL TRUST, THE MARY STEPHANIE WARREN-COLEMAN TRUST, THE PLASTOW FAMILY CHARITABLE TRUST, THE ROPER FAMILY CHARITABLE TRUST, THE MARGARET ELIZABETH CORMACK CHARITABLE TRUST, THE HSWJ TRUST, THE ETTLING CHARITABLE TRUST, THE J VAN MARS FOUNDATION, THE MURIEL JONES FOUNDATION, THE THOMPSON6 CHARITABLE TRUST, THE CARLILE FOUNDATION CHARITABLE TRUST, PAULINE MEREDITH CHARITABLE TRUST, JOSEPH ETTEDGUI CHARITABLE FOUNDATION, THE RELITHAN CHARITABLE TRUST, THE DISCWORLD FOUNDATION, THE KENNETH MONTAGUE DICKINSON CHARITABLE TRUST, THE PRAFARATA FOUNDATION, THE WHITEWATER CHARITABLE TRUST, THE TORNS CHARITABLE TRUST, THE DR CORAL IRMGARD ALLWORTHY CHARITABLE TRUST, THE LINDLEY FOUNDATION, THE SAMUEL FELDMAN NORTH EAST CORNER CHARITABLE TRUST, THE EDWARD & CATHERINE WRAY CHARITABLE TRUST, THE WESTCOTT FAMILY CHARITABLE TRUST, THE BROWN SOURCE TRUST, THE AITKEN FAMILY CHARITABLE TRUST, THE 4 BETTER FOUNDATION, THE CHIGA CHARITABLE TRUST, THE SCSJD CHARITABLE TRUST, THE JECTUS CHARITABLE FOUNDATION, THE AQUEDUCT CHARITABLE TRUST, THE FRAXINUS CHARITABLE TRUST, MAURICE AND SUSAN ROTHSCHILD INCENTIVE TRUST, THE HURST LEA FOUNDATION, THE ROWLAND EDUCATIONAL FOUNDATION, MILLIE'S WATCH, THE POLMAX CHARITABLE TRUST, THE CJM AND FAMILY CHARITABLE TRUST, THE GNINWOD TRUST, THE CORTON HILL TRUST, THE ORKNEY CHERRY CHARITABLE TRUST,

PETER BARCOCK Appointed: 2012

SARAH FLEUR GUTTRIDGE Appointed: 2023

STUART ANDREW BARCOCK Appointed: 2023

Legal constitution

Charity registered in England & Wales on 27/06/2012, number: 1147853

Gift Aid

NOT registered with HMRC for Gift Aid

Other Regulators

Financial Conduct Authority

Policies in force

Complaints handling
Complaints policy and procedures
Conflicting interests
Financial reserves policy and procedures
Internal charity financial controls policy and procedures
Internal risk management policy and procedures
Investing charity funds policy and procedures
Investment
Risk management
Serious incident reporting policy and procedures
Trustee conflicts of interest policy and procedures
Trustee expenses policy and procedures

Filing Record

11 returns made; AR21: 2 days late,

Main office

Ludlow Trust Co Ltd
Tower Wharf
Cheese Lane
BRISTOL
BS2 0JJ

Objectives

THE TRUSTEES SHALL HOLD THE CAPITAL AND INCOME OF THE TRUST FUND UPON TRUST TO APPLY THE INCOME AND ALL OR SUCH PART OR PARTS OF THE CAPITAL AT SUCH TIME OR TIMES AND IN SUCH MANNER TO OR FOR THE BENEFIT OF SUCH EXCLUSIVELY CHARITABLE OBJECTS AND PURPOSES IN ANY PART OF THE WORLD AS THE TRUSTEES MAY IN THEIR ABSOLUTE DISCRETION THINK FIT.

Data Sources